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1. Why do you need health insurance?
As medical care advances and treatments increase, health care
costs also increase. The purpose of health insurance is to
help you pay for care. It protects you and your family financially
in the event of an unexpected serious illness or injury that
could be very expensive. In addition, you are more likely to
get routine and preventive care if you have health insurance.
You need health insurance because you cannot predict what
your medical bills will be. In some years, your costs may be
low. In other years, you may have very high medical expenses.
If you have health insurance, you will have peace of mind in
knowing that you are protected from most of these costs. You
should not wait until you or a family member becomes seriously
ill to try to purchase health insurance.
We also know that there is a link between having health insurance
and getting better health care. Research shows that people
with health insurance are more likely to have a regular doctor
and to get care when they need it.